"unearned" means something that is not deserved or obtained through effort or work. Full definition
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Common types of unearned income include pensions, Social Security retirement benefits, unemployment compensation, and interest, dividends and capital gains. (turbotax.intuit.com)
Insurance providers may not have to return a portion of unearned premium when a policyholder terminates the coverage for no given reason, or for reasons such as securing a similar policy with a different provider. (investopedia.com)
It is the more complicated method, and involves examining the portion of unearned premium exposed to loss during the period being calculated. (investopedia.com)